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Is $70,000 a Good Salary in New Zealand?
A salary of $70,000 NZD sits right around the median full-time income in New Zealand.
For many single Kiwis, it’s a comfortable income—especially outside the major cities. But for families in Auckland or Wellington with high rent and childcare costs, $70k can feel tight.
Let’s break down what $70,000 a year really means in New Zealand today.
Average Salaries in New Zealand — 2025
How $70,000 Compares to the NZ Median Income
According to Stats NZ’s 2025 Labour Market Statistics, the median hourly earnings for full-time employees was $35.00, equating to about $72,800 per year on a 40-hour week.
That means a $70k salary sits slightly below the national median, but still within the middle income range for New Zealanders.
| Income Bracket | Status | % of Workers (Approx.) |
|---|---|---|
| Under $50k | Lower income | ~25 % |
| $50k – $80k | Middle income | ~45 % |
| $80k – $120k | Upper-middle | ~20 % |
| $120k + | High income | ~10 % |
So yes — $70,000 is a middle-class income in New Zealand.
Hourly Breakdown: How Much Is $70k Per Hour in NZ?
Assuming a 40-hour work week and 52 weeks a year:
$70,000 ÷ (40 × 52) = $33.65 per hour
That’s slightly below the median hourly rate ($35), but well above the minimum wage ($23.15 as of April 2025).
If you work overtime or receive KiwiSaver contributions, your total earnings can edge closer to $75k gross.
Cost of Living on $70,000 in Different Regions
Living comfortably on $70k depends largely on where you live.
Auckland & Wellington
- Average weekly rent for a 1-bedroom apartment: $550–$680
- Public transport and fuel costs are high
- Dining and entertainment are more expensive
➡ $70k is manageable for a single professional but may feel tight for families without a second income.
Christchurch & Hamilton
- Lower housing and commuting costs
- Groceries and utilities cheaper than in Auckland
➡ $70k is a comfortable income for a single or couple.
Smaller Cities & Regional NZ
In Dunedin, Palmerston North or Invercargill, rents and daily costs drop significantly. A $70k salary in New Zealand often provides a comfortable lifestyle with room for savings.
Middle Class in NZ: Where $70k Fits In
Economists usually define “middle class” as earning between 75 % and 200 % of the median household income.
Given a median individual income of around $73k and median household income near $105k, $70k sits comfortably in the middle bracket.
For context: Inland Revenue data shows about 43 % of Kiwi workers earn between $60k and $100k.
So if you’re earning $70k, you’re squarely in the heart of New Zealand’s middle class.
What Is Considered a High Salary in NZ?
While “high income” is subjective, statistics help:
- Only 6–7 % of workers earn over $150k
- About 3–4 % earn $180k +
- The top 1 % earn roughly $250k + per year
So anything above $150k gross is generally considered a high salary in New Zealand.
What Salary Do You Need to Live Comfortably in NZ?
“Comfortable” depends on lifestyle, but rough estimates are:
| Household Type | Comfortable Income Range (2025 NZD) |
|---|---|
| Single adult (renting in regional city) | $60k – $75k |
| Single adult (Auckland/Wellington) | $80k – $95k |
| Couple (no kids) | $100k – $130k combined |
| Family of four | $120k – $150k combined |
These figures factor in housing, transport, utilities and modest leisure spending.
How Many People in NZ Earn Over $100k?
Inland Revenue data shows that roughly 18–20 % of full-time employees now earn over $100,000 a year, a number that’s risen with inflation and wage growth.
The top earning sectors include:
- Technology & Engineering (IT architects, developers)
- Finance & Insurance (managers, analysts)
- Construction & Utilities (project managers, specialists)
- Public Sector Leadership (senior officials, consultants)
Does $70k Cover Retirement and Savings Goals?
If you contribute 3–6 % to KiwiSaver and budget carefully, yes—especially if you avoid large debt loads.
Aim to save at least 10–15 % of your take-home income for long-term goals.
A common budget split for $70k (after tax ≈ $55,000 take-home):
| Category | Approx. % | Monthly NZD |
|---|---|---|
| Housing (Rent/Mortgage) | 35 % | $1,600 |
| Transport | 15 % | $700 |
| Food & Groceries | 15 % | $700 |
| Utilities & Internet | 10 % | $450 |
| Savings & KiwiSaver | 10 % | $450 |
| Leisure & Misc | 15 % | $700 |
This budget keeps you comfortable without stretching too thin.
What’s the Quality of Life Like on $70k?
New Zealand ranks among the best countries in the world for quality of life.
Even on a mid-range income like $70,000, you can still enjoy many of the things that make Aotearoa special — clean air, access to nature, good healthcare, and a relaxed lifestyle.
However, housing affordability remains a big issue, especially in Auckland, Tauranga and Wellington. Owning a home on $70k is challenging unless you have a partner with a similar income or help with a deposit.
If you’re renting or living in a smaller city, you can live comfortably while saving modestly and enjoying travel, dining out, or hobbies.
How to Make $70,000 Go Further
- Take advantage of KiwiSaver – Contribute at least 3–6 % and make sure your fund matches your risk profile.
- Use public transport or car-share – Parking and petrol prices in big cities add up fast.
- Negotiate flexible work – Remote work can save hundreds monthly in commuting and lunches.
- Track spending – Apps like PocketSmith or MoneyHub’s budget calculator are made for Kiwi households.
- Invest smartly – Consider index funds or a conservative managed fund for long-term growth.
The Verdict: Is $70,000 a Good Salary in New Zealand?
✅ Yes — for most people, $70,000 is a decent, middle-income salary.
It allows a single person or dual-income household to live comfortably, contribute to KiwiSaver, and cover most living costs outside of New Zealand’s priciest suburbs.
But it’s not “wealthy.” Housing, food, and transport costs continue to rise faster than wages. If you’re aiming to buy property or raise a family in a major city, a household income closer to $100k–$120k is more realistic for comfort.
Still, $70,000 in 2025 keeps you solidly in the middle class and ahead of half the country’s wage earners — a stable and respectable income in New Zealand’s modern economy.
FAQs – Is $70,000 a Good Salary in New Zealand?
Is $70,000 a good salary in NZ?
Yes. It’s roughly the national median for full-time workers in 2025 and provides a comfortable living for singles or couples outside major cities.
How much is $70,000 a year per hour in NZ?
About $33.65 an hour, based on a 40-hour work week and 52 weeks per year.
What is middle class in New Zealand?
People earning between roughly $60,000 and $120,000 per year, depending on location and household size, are considered middle class.
What is considered a high salary in NZ?
Earning $150,000+ is generally viewed as high income; only about 6–7 % of workers reach that level.
How many people in NZ earn over $100k?
Around one in five full-time employees earn more than $100,000 a year.
What salary do you need to live comfortably in New Zealand?
Singles: $70–90k.
Couples or families in big cities: $100–130k+ combined for a comfortable lifestyle.
